LIVING WITHIN YOUR MEANS by Floyd Henderson, M.A., B.A. Ed.

2005-10-24T15:41:00.000-07:00

ALL MONEY IS SPENT TO MEET EITHER 2 REAL NEEDS OR 3 FALSE, PERCEIVED NEEDS. ALSO, 3 AREAS ACCOUNT FOR ALL FINANCIAL WASTE AND CRISIS. FIND THE 8 FACTS IN THE 24 PAGES OF “LIVING WITHIN YOUR MEANS” AND YOU CAN FIND THE SOLUTION TO YOUR SPENDING PROBLEMS.

Can one booklet show a person or a couple how to begin using the money being made right now in a way that can solve financial problems? The plan shared in the pages of the booklet has done exactly that for many.

No investment vehicles are being sold or promoted. The booklet presents only a proven method for using wisely the amount being earned now in order to avoid financial ruin and/or bankruptcy and to help you retire early or to help secure your economic future.

The plan revealed in this booklet can also help those who are doing well earning money but who could manage their funds even better through use of the plan. By using this method, the author was able to handle his finances in a way that allowed him to retire at the age of 54.

Problem Identification: Spending, Programming and Myths
In this booklet, you will be invited to see that the roots of the problem of over-spending go far deeper than your financial experiences alone.

You’ll come to understand the PSYCHOLOGY involved that inspires spending beyond your means. You’ll learn that there is …
…a PSYCHOLOGY of BUYING in this country…a PSYCHOLOGY of GIVING in this country…a PSYCHOLOGY of WANTING in this country…a PSYCHOLOGY of GETTING in this countryAll of those mindsets can lead to ruin.

You’ll also learn that the Mass Marketing Machine out there is after you, and they know exactly how to make the billions they spend annually in advertising to push the right button that will make consumers accumulate huge debts. For example, the marketing machine knows that most people love power and that most people love control. Note how they use that knowledge about our psychological vulnerabilities to appeal to us to spend more money. I recently received this in the mail:
“It’s about power—purchasing power, the power to control your budget, and the power to save.”
With that appeal, the mailer then announced that the bank that mailed it to me was increasing my credit card limit to $20,200.00. Can I really purchase more and save more at the same time? Can I control my budget? At one point in my life, I couldn’t, and most appear not to be able to control theirs either. This plan allows your budget to put controls on the flow of your money. Will charging $20,200 in additional debt at credit-card-rates empower me? Or will it empower them?

In the booklet, you’ll also be offered information about certain “Myths about Money” that lead to financial ruin. Please take the time to write some thoughts as asked for after each myth. Then, you’ll be introduced to the two types of bills that everyone has: “Periodic” and “Monthly.”

A discussion will be offered that introduces the first part of the solution to solve financial problems: analysis of current debt and expenses, calculating “Monthly” debt and Clubbing “Periodic” Debt; and then setting up your own Budget using the Ready-to-Go Template on the CD that is included.

Financial Problems in the United States: Causes and Solutions
In a 2003 poll of U.S. citizens, they were asked to name the area in life where their history shows that they have--so far--made the most disastrous, most harmful, and most damaging decisions. Here are the results:
7% said: “in the area of work or employment or career decisions”

22% said: “in the area of love”

29% … didn’t know

42% said: “in the area of finances”

Mistakes in the handling of finances take a very heavy toll on both couples and individuals. Financial problems are the leading causes of divorce in the United States, ahead of in-law problems and sex problems. They’re also the #1 problem faced by singles. So it does not matter if one is single or married, in partnership or not, this is one of the key problems that must be addressed if people are to be in harmony and enjoy peace of mind. And no solution for any problem can be found until the real cause of the problem is found first and then understood completely.

Financial problems are rooted in only two areas:
I. PROGRAMMING / CONDITIONING that results in the Four Psychologies around money

II. MONEY MYTHS … the ideas that most in this culture believe that result in most in this country being in huge debt

THERE ARE TEN MONEY MYTHS. TO BE FREE OF DEBT, YOU MUST KNOW THE TEN MYTHS AND BE FREE OF THEIR INFLUENCE
The second cause of financial problems is that our conditioning has caused us to buy into the Myths of the masses. The options are that we either march along with the others in this culture and join in with those who have, for example, an average of $8800 to $15,000 in credit card debt for individuals, $17,000 to $33,000 for couples; or we march to a different drummer—we go a different route, we seek to think in a way that is the opposite of the way the masses think and behave and in a way that is opposite from the conditioning of the masses. That requires first being free of belief in the Ten Myths."

We Have the Solutions
This booklet will guide you step-by-step through setting up a system that will allow you to manage the money you have coming in right now. If you are doing well, congratulations. This booklet might help you do even better. If not, know that money problems are not solved by getting more money. If you are with the majority who are not doing so well, then this booklet can give you the opportunity to live within your means, to be free of the compulsive spending habits that lead to bankruptcy, to possibly avoid divorce (since money problems are the #1 cause), to avoid monthly misery and to escape those nagging sensations of failure, constant pressure, worry, and low self-esteem.

This booklet offers a self-taught plan, so you may move through as quickly or as slowly as you desire. I have divided the information into three sessions for your convenience. In many cases, information for your consideration is provided because financial security comes not only through use of budgeting skills but through a shift in beliefs about money and accumulation as well.

What readers are saying!
Marie L. says: “With the help of the ideas and budget information in this booklet, I have been able to accomplish financial goals that I had intended to accomplish, but couldn't, for 30 years.”

Yolanda L. says, "The budget booklet helped us resolve the financial fights occurring daily in our marriage. We are now ‘on the same page financially’ and loving it.”

Mark H. says: "Without some financial plan, we are relegated to a life of fear around our finances. This budgeting for dummies guide has shown me a simple, easy plan to take control of my income and expenses in a relatively short period of time, has reduced my economic fear, and has replaced it with hope and excitement watching MY budget control my decisions, watching my debt reduced, watching my savings and investments grow.”

ENDING FINANCIAL PROBLEMS by UNDERSTANDING YOUR PERSONALITY TYPE by Marie Lachney & Floyd Henderson

2005-10-23T16:12:00.000-07:00

EVERY PERSON FALLS INTO ONE OF THE NINE CATEGORIES INCLUDED IN THE ENNEAGRAM PERSONALITY TYPES

EVERY PERSONALITY TYPE HAS TRAITS WITHIN THAT PERSONALITY TYPE THAT DRIVE SPENDING IN TWO OR THREE AREAS THAT CREATE ALL FINANCIAL PROBLEMS

THIS BOOKLET WILL HELP YOU DETERMINE WHICH OF THE NINE TYPES YOU ARE AND WILL THEN SHOW YOU SPECIFICALLY WHAT AREAS OF CONCERN THAT YOU SHOULD PAY ATTENTION TO IN ORDER TO HAVE FINANCIAL STABILITY AND TO END ALL FINANCIAL PROBLEMS

Financial Planning

LIVING WITHIN YOUR MEANS by Floyd Henderson, M.A., B.A. Ed.

ENDING FINANCIAL PROBLEMS by UNDERSTANDING YOUR PERSONALITY TYPE by Marie Lachney & Floyd Henderson